16914 Obsidian Dr, Ramona, CA 92065 Property Records

San Diego County property record for 16914 Obsidian Dr, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,797 sqft · built 1996
Lot Size	0.228 acres (9,946 sqft)
Owner	2 Individual Names on Record
Last Sale	$720,000 (Jan 2018)
Tax Bill	$9,707 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`278-491-18-00`

Property Details

APN / Parcel Number

Primary APN	`278-491-18-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,797 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	9,946 sqft (0.228 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16914 OBSIDIAN DR
City	RAMONA
State	CA
Zip	92065-6839
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 151 TR 012754
Legal Subdivision	SAN DIEGO # 4626-3
Legal Tract	012754
Legal Block	2
Legal Lot Number	151
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
Census Tract	17021

Owner

Source: San Diego County records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	16914 OBSIDIAN DR, RAMONA, CA 92065-6839
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU
Apr 23, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISSION FCU
Jan 12, 2018	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2018 · Amount on Record
Deed Sale	Jan 12, 2018 · Amount on Record
Prior Sale	Jan 15, 2014 · Amount on Record
Deed Document Number	201815171
Prior Transfer Date	Mar 5, 2003
Prior Transfer Doc	0000331744
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16914 OBSIDIAN DR, RAMONA, CA 92065-6839
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16914 OBSIDIAN DR, RAMONA, CA 92065-6839

Mortgage

Document Number	0000361827
Date	Dec 23, 2025
Instrument	2025-0361827

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16914 OBSIDIAN DR, RAMONA, CA 92065-6839
Transaction Type	Mortgage
Record Updated	May 3, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16914 OBSIDIAN DR, RAMONA, CA 92065-6839

Mortgage

Document Number	0000100328
Date	Apr 23, 2024
Instrument	2024-0100328

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16914 OBSIDIAN DR, RAMONA, CA 92065-6839
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000134189
Date	Mar 24, 2017
Instrument	2017-0134189

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 31, 2032

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 12, 2018
Property Address	16914 OBSIDIAN DR, RAMONA, CA 92065-6839
Document Number	0000015171
Map Reference	MAP 12754
Instrument Date	Dec 15, 2017
Instrument	2018-0015171
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	16914 OBSIDIAN DR, RAMONA, CA 92065-6839

Mortgage

Document Number	0000015172
Date	Jan 12, 2018
Instrument	2018-0015172

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Mortgage

Document Number	0000015173
Date	Jan 12, 2018
Instrument	2018-0015173

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Ramona City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$835,614 (+2%) Land $305,319 Building $530,295
2025	$9,707.00 (+5.99%)	$819,231 (+4.04%) Land $299,333 Building $519,898
2023	$9,158.00 (-0.7%)	$787,420 Land $287,710 Building $499,710
2022	$9,223.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1998)
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 86% of the US · above 66% of California
Wildfire Likelihood	0.9% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RAMONA MUNICIPAL WD serves 36,455 people · EPA ID CA3710019
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2022
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: San Diego Broadband.

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